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Section 03  Connecting Prospects
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            Hence, the Bank has implemented the following immediate action plans in strengthening stakeholder relationship and recovery
            planning:



                                   The Bank continues to build close relationships and offer financial assistance, such as the
                                   moratorium, rescheduling and restructuring of loans and financing (R&R) for eligible borrowers.

                                   The above measure supports customers’ business operations holistically and ensures their business
               Customers
                                   sustainability while facing the impacts of the COVID-19 pandemic.



                                   With  the  COVID-19  Movement  Control  Order  (MCO),  the  Bank  has  implemented  the Work  from
                                   Home  (WFH)  arrangement,  while  ensuring  the  effectiveness  and  efficiency  of  our  banking
                                   operations is maintained.

                                   This  has been  accomplished  via the  establishment  of  the Bank’s Virtual  Office for  flexibility  and
                                   for employees to remain connected anytime.
               Employees
                                   As  remote  work  continues,  with  effect  from  2021,  the  Bank  is  implementing  the  COVID-19
                                   Work-From-Home  Assistance, which entails the provision of further support to enhance our
                                   employees’ home office facility.




                                   The Bank worked hand-in-hand with BNM in providing financial assistance packages to businesses
                                   and customers affected by the COVID-19 outbreak. This was through available packages under the
                                   BNM’s  Fund  for  SMEs,  including  the  Special  Relief  Facility  (SRF),  All  Economic  Sectors  Facility
                                   and Agrofood Facility.

               Regulatory          The Bank also took proactive measures to sustain our offer of relief packages while continuing to
                                   manage the Bank’s financial position.





                                   In delivering and reinforcing stakeholders’ confidence, the Bank has continuously engaged the
                                   management and Board on the Bank’s position and strategy moving forward.
               Mandate &
              Shareholders
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